US2025139603A1PendingUtilityA1

Interacting with an automated teller machine using a user device

Assignee: CAPITAL ONE SERVICES LLCPriority: May 8, 2018Filed: Jan 6, 2025Published: May 1, 2025
Est. expiryMay 8, 2038(~11.8 yrs left)· nominal 20-yr term from priority
H04M 2250/04G06Q 20/382G06Q 20/327G06Q 20/3221G06Q 20/204G06Q 20/4012F16K 15/147A61M 39/223A61M 39/22A61M 25/0693A61M 25/0075A61M 5/16881A61M 1/772H04M 1/72412G07F 19/205G06Q 20/352G06Q 20/1085G06Q 20/3223
74
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Claims

Abstract

A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.

Claims

exact text as granted — not AI-modified
What is claimed: 
     
         1 . A method, comprising:
 determining, by a user device, that a user wants to conduct an automated teller machine (ATM) transaction;   receiving, by the user device and based on determining that the user wants to conduct the transaction, a selection of one or more ATM transactions;   automatically causing, by the user device, based on receiving the selection of the one or more ATM transactions, and when the user device is within a threshold distance of an ATM device, an ATM transaction application to execute on the user device;   transmitting, by the user device and via the ATM transaction application, the one or more ATM transactions to the ATM device; and   receiving, by the user device and based on transmitting the one or more ATM transactions, a notification related to the one or more ATM transactions.   
     
     
         2 . The method of  claim 1 , wherein determining that the user wants to conduct the transaction comprises:
 detecting a presence of an ATM card.   
     
     
         3 . The method of  claim 1 , further comprising:
 transmitting, via the ATM transaction application, user credential information to the ATM.   
     
     
         4 . The method of  claim 3 , further comprising:
 receiving, based on determining that the user wants to conduct the transaction, the user credential information.   
     
     
         5 . The method of  claim 3 , further comprising:
 receiving an indication that the user credential information is validated.   
     
     
         6 . The method of  claim 1 , wherein the ATM transaction application is associated with a plurality of ATM devices including the ATM device. 
     
     
         7 . The method of  claim 1 , further comprising:
 detecting one or more signals broadcasted by the ATM device,
 wherein automatically causing the ATM transaction application to execute on the user device is further based on detecting the one or more signals broadcasted by the ATM device. 
   
     
     
         8 . The method of  claim 7 , further comprising:
 transmitting one or more connection requests to the ATM device,   wherein the one or more signals are one or more responses to the one or more connection requests.   
     
     
         9 . A user device, comprising:
 one or more memories; and   one or more processors, coupled to the one or more memories, configured to:   determine that a user wants to conduct an automated teller machine (ATM) transaction;   receive, based on determining that the user wants to conduct the transaction, a selection of one or more ATM transactions;   detecting one or more signals broadcasted by an ATM device;   automatically cause, based on detecting the one or more signals broadcasted by the ATM device, an ATM transaction application to execute on the user device;   transmit, via the ATM transaction application, the one or more ATM transactions to the ATM device; and   receive, based on transmitting the one or more ATM transactions, a notification related to the one or more ATM transactions.   
     
     
         10 . The user device of  claim 9 , wherein the one or more processors, to determine that the user wants to conduct the transaction, are configured to:
 detect a presence of an ATM card.   
     
     
         11 . The user device of  claim 9 , wherein the one or more processors are further configured to:
 transmit, via the ATM transaction application, user credential information to the ATM.   
     
     
         12 . The user device of  claim 11 , wherein the one or more processors are further configured to:
 receive, based on determining that the user wants to conduct the transaction, the user credential information.   
     
     
         13 . The user device of  claim 11 , wherein the one or more processors are further configured to:
 receive an indication that the user credential information is validated.   
     
     
         14 . The user device of  claim 9 , wherein the ATM transaction application is associated with a plurality of ATM devices including the ATM device. 
     
     
         15 . The user device of  claim 9 , wherein the one or more processors are further configured to:
 transmit one or more connection requests to the ATM device,   wherein the one or more signals are one or more responses to the one or more connection requests.   
     
     
         16 . A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
 one or more instructions that, when executed by one or more processors of a user device, cause the user device to:   determine that a user wants to conduct an automated teller machine (ATM) transaction;   receive, based on determining that the user wants to conduct the transaction, a selection of one or more ATM transactions;   automatically cause, based on receiving the selection of the one or more ATM transactions and when the user device is within a threshold distance of an ATM device, an ATM transaction application to execute on the user device;   transmit, via the ATM transaction application, the one or more ATM transactions to the ATM device; and   receive, based on transmitting the one or more ATM transactions, a notification related to the one or more ATM transactions.   
     
     
         17 . The non-transitory computer-readable medium of  claim 16 , wherein the one or more instructions, that cause the user device to determine that the user wants to conduct the transaction, cause the user device to:
 detect a presence of an ATM card.   
     
     
         18 . The non-transitory computer-readable medium of  claim 16 , wherein the one or more instructions further cause the user device to:
 transmit, via the ATM transaction application, user credential information to the ATM.   
     
     
         19 . The non-transitory computer-readable medium of  claim 18 , wherein the one or more instructions further cause the user device to:
 receive, based on determining that the user wants to conduct the transaction, the user credential information.   
     
     
         20 . The non-transitory computer-readable medium of  claim 18 , wherein the one or more instructions further cause the user device to:
 receive an indication that the user credential information is validated.

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